In order to encourage people to buy houses, various fancy policies have been introduced, such as lowering the interest rate of home loan or subsidizing home purchase. For example, Zhengzhou, Henan Province, subsidizes the imported high-level talents so that they can afford to buy a house, but it is a bit ridiculous to encounter an unfinished building. The third gold-bearing point mentioned by Bian Xiao above can be explained in more popular terms. For example, after a child buys a house, there will definitely be a short-term shortage of funds. After the mortgage is paid off, there is not so much money for daily consumption expenses. At this time, parents may make various subsidies. After the introduction of this policy, this subsidy can be directly used to repay the mortgage, and it does not need to be spent in daily life.
Some people do have some spare money in their hands, but they may have to spend it on other things, such as family emergency fund, because the elderly are not as healthy as young people after all, and they may break their bones after falling down and need to go to the hospital to see a doctor. However, after the introduction of this policy, some elderly people may use this part of the money to subsidize their children and let them buy a house of their own.
Some young people's parents work in the system and have a housing provident fund every month. In this case, the housing provident fund can naturally be invested to repay the loan, and it can also reduce the family pressure, but there is no way to alleviate the mortgage.